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当前违规乱用医保卡的现象已经非常普遍,使得医疗保险个人账户设计初衷与运行效果出现了很大的分歧,引起了人们对医疗保险个人账户存废的争论。本文通过对医疗保险个人账户设立背景及目前运行状况的介绍,论述了医疗保险个人账户在我国当前发展阶段存在的必要性,并对完善医疗保险个人账户制度提出了改进措施。
At present, the phenomenon of indiscriminate use of health insurance cards has become very common, causing great disagreement between the original intention of designing individual accounts for medical insurance and the operational effects, causing the people to argue over the existence of personal accounts of medical insurance. This article introduces the background of the establishment of personal insurance accounts and the current operating conditions, discusses the necessity of personal accounts of medical insurance in the current development stage of our country, and puts forward some measures to improve the personal account system of medical insurance.